Ver. 1.

Version 1.3
What's New in This Version:
- Add in Pie Chart to analyse the breakdown of money usage..
- Add in longer sheet to allow people to plan till 100 years old…

- *Solver- If you have not use Excel Solver before… Your System may not have it. If so, it need to do
wich is describe at the bottom of this sheet...

Today is : 25-Apr-2010

Please Enter the following Information (in the boxes):

Your Birth Year => : 1964 Eg. 1969
The Age You Want to Retire => : 50 Eg. 56
Your Life Expectancy => : 88 Eg. 88 (Life Expectancy in Singapore is 80 now, and
The Inflation Rate in % => : 5.0% Eg. 2% (Typical between 1 to 3 %)(Note added in 20
The Bank Interest Rate in % => : 0.5% Eg. 1.25% (Typical between below 1.5% for now)

2
If you already installed the Solver, go on with the "Expenses" sheet…. Else you might want to read the followings:

What need to be enchanced…?

- CPF Allocation after 55 years old is not 100% clear from reading the CPF Webpage...
On the other hand, the formula in this worksheet is working very accurate up to 55 year old
as varify with the On-Line Tools provided in the Website as shown in Last Worksheet.
Meanwhile, for Calculatin Purpose. CPF will continue to keep in Retirement Account to
earn 4% interest...
Strongly recommend that you visit the CPF Home Page...

CPF Home Page...

Note:

- This Work Sheet is to help in creating an awareness of, (if you have not done a similar study), How M
Do You Require to Make in order to Retire with Financial Abandance…
- There is no perfect way to work out the actual sum as nothing is more Dynamic than Life today... On
this work sheet should figure out the ball park number for target setting... A yearly review would be

- It does not mean to create fear for those who have shortage of money nor to ask someone to retire I

- This is a Freeware…
* About the Excel Solver (Excel 2003)

If you have not use the Solver before, likely that it is not install,
which means you can not find it on the Tool Manual.
Then you will need to select the "Add-Ins…" and proceed with the Installation as shown in the

Please click on to the next work sheet...

Excel 2007: Loading the Solver add-in in Excel 2007

1. Click the Microsoft Office Button , and then click Excel Options.
2. Click Add-Ins, and then in the Manage box, select Excel Add-ins.
3. Click Go.
4. In the Add-Ins available box, select the Solver Add-in check box, and then click OK.
Tip: If Solver Add-in is not listed in the Add-Ins available box, click Browse to locate the add-in.
If you get prompted that the Solver Add-in is not currently installed on your computer, click Yes to install it.
5. After you load the Solver Add-in, the Solver command is available in the Analysis group on the Data tab.

Finally, you will see it on the tool on the Data Tool Bar. :-)
Just a Social Service… Bless you.
http://blessedfool.blogspot.com/
 have it. If so, it need to do Add-ins installation

boxes):

in Singapore is 80 now, and expect to be longer…)

n 1 to 3 %)(Note added in 2010: This was already History… From 2010 onwards, it is expected to be at least 5%
een below 1.5% for now)

ant to read the followings:

F Webpage...
up to 55 year old
Worksheet.
ent Account to

done a similar study), How Much More

ynamic than Life today... On the other hand,

. A yearly review would be good.

or to ask someone to retire Immediately…

stallation as shown in the diagram.

lick Yes to install it.

p on the Data tab.
is expected to be at least 5% to double digit!)
How Much Do you Spend Every Year?

RETIREMENT PLAN CALCULATION SHEET (Ver. 1.3)

Instructions: 1) You will only need to Fill up all the column B cells in Pink Color ONLY… There worksheet will automatically fill up the big table…

2) Column S (Red color) is your Sum Required for retirement with the respective age and years...

3) At the bottom of the sheet, the Pie Chart will show the break down of money usage… may be a good way to plan for better usage…

Sheet 1: Expenses Calculation

Year as of today => 2010
Your Current Age => 46 Total Sum
Your Retire Age 50 Expenses Reuired to
Life Expectancy 88 Total Spend from
Inflation Rate 5.0% Your Inf. Yearly Housing Car Equipment Children Income Other Other Other Annual Now till Leave
Bank Interest Rate 0.5% Years Age Rate Need Installment Installment Installment Insurrance Expenses Tax Installment 1 Installment 2 Installment 3 Expenses Planet Earth Years Age
2010 46 5.0% $22,320 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $64,620 $3,767,911 2010 46
2011 47 5.0% $23,436 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $65,736 $3,703,291 2011 47
Expenses Required 2012 48 5.0% $24,608 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $66,908 $3,637,555 2012 48
to Stay in 2013 49 5.0% $25,838 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $68,138 $3,570,648 2013 49
Planet Earth 2014 50 5.0% $27,130 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $69,430 $3,502,509 2014 50
Monthly Basic Need 1 2015 51 5.0% $28,487 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $70,787 $3,433,079 2015 51
Clothing $60 2016 52 5.0% $29,911 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $72,211 $3,362,293 2016 52
Food $500 2017 53 5.0% $31,406 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $73,706 $3,290,082 2017 53
Housing $300 2018 54 5.0% $32,977 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $75,277 $3,216,375 2018 54
Transportation $300 2019 55 5.0% $34,626 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $76,926 $3,141,098 2019 55
Health Care $200 2020 56 5.0% $36,357 $12,000 $12,000 $300 $4,000 $10,000 $4,000 $0 $0 $0 $78,657 $3,064,173 2020 56
.any others 1 2021 57 5.0% $38,175 $0 $0 $300 $4,000 $10,000 $0 $0 $0 $0 $52,475 $2,985,516 2021 57
.any others 2 2022 58 5.0% $40,084 $0 $0 $300 $4,000 $10,000 $0 $0 $0 $0 $54,384 $2,933,041 2022 58
2023 59 5.0% $42,088 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $52,388 $2,878,658 2023 59
Extra Bonus 2024 60 5.0% $44,192 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $54,492 $2,826,270 2024 60
Entertainment 100 2025 61 5.0% $46,402 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $56,702 $2,771,778 2025 61
Donation 50 2026 62 5.0% $48,722 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $59,022 $2,715,076 2026 62
Travel 100 2027 63 5.0% $51,158 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $61,458 $2,656,054 2027 63
Lottery 250 2028 64 5.0% $53,716 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $64,016 $2,594,596 2028 64
Hobby/Collection 2029 65 5.0% $56,402 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $66,702 $2,530,581 2029 65
.any others 3 2030 66 5.0% $59,222 $0 $0 $300 $0 $10,000 $0 $0 $0 $0 $69,522 $2,463,879 2030 66
.any others 4 2031 67 5.0% $62,183 $0 $0 $0 $0 $0 $0 $0 $0 $0 $62,183 $2,394,358 2031 67
2032 68 5.0% $65,292 $0 $0 $0 $0 $0 $0 $0 $0 $0 $65,292 $2,332,175 2032 68
Monthly Total => $1,860 2033 69 5.0% $68,556 $0 $0 $0 $0 $0 $0 $0 $0 $0 $68,556 $2,266,883 2033 69
Yearly Total => $22,320 2034 70 5.0% $71,984 $0 $0 $0 $0 $0 $0 $0 $0 $0 $71,984 $2,198,327 2034 70
2035 71 5.0% $75,583 $0 $0 $0 $0 $0 $0 $0 $0 $0 $75,583 $2,126,342 2035 71
Installment with Fix 2036 72 5.0% $79,363 $0 $0 $0 $0 $0 $0 $0 $0 $0 $79,363 $2,050,759 2036 72
Period of time frame YEARLY 2037 73 5.0% $83,331 $0 $0 $0 $0 $0 $0 $0 $0 $0 $83,331 $1,971,396 2037 73
- *Housing 12000 2038 74 5.0% $87,497 $0 $0 $0 $0 $0 $0 $0 $0 $0 $87,497 $1,888,066 2038 74
from:-> XXXX 2003 2039 75 5.0% $91,872 $0 $0 $0 $0 $0 $0 $0 $0 $0 $91,872 $1,800,568 2039 75
to :-> YYYY 2020 2040 76 5.0% $96,466 $0 $0 $0 $0 $0 $0 $0 $0 $0 $96,466 $1,708,696 2040 76
2041 77 5.0% $101,289 $0 $0 $0 $0 $0 $0 $0 $0 $0 $101,289 $1,612,230 2041 77
- *Car 12000 2042 78 5.0% $106,353 $0 $0 $0 $0 $0 $0 $0 $0 $0 $106,353 $1,510,941 2042 78
from:-> XXXX 2003 2043 79 5.0% $111,671 $0 $0 $0 $0 $0 $0 $0 $0 $0 $111,671 $1,404,588 2043 79
to :-> YYYY 2020 2044 80 5.0% $117,255 $0 $0 $0 $0 $0 $0 $0 $0 $0 $117,255 $1,292,917 2044 80
2045 81 5.0% $123,117 $0 $0 $0 $0 $0 $0 $0 $0 $0 $123,117 $1,175,662 2045 81
- *Household Equipment 300 2046 82 5.0% $129,273 $0 $0 $0 $0 $0 $0 $0 $0 $0 $129,273 $1,052,545 2046 82
from:-> XXXX 2003 2047 83 5.0% $135,737 $0 $0 $0 $0 $0 $0 $0 $0 $0 $135,737 $923,271 2047 83
to :-> YYYY 2030 2048 84 5.0% $142,524 $0 $0 $0 $0 $0 $0 $0 $0 $0 $142,524 $787,534 2048 84
2049 85 5.0% $149,650 $0 $0 $0 $0 $0 $0 $0 $0 $0 $149,650 $645,010 2049 85
- *Insurance 4000 2050 86 5.0% $157,133 $0 $0 $0 $0 $0 $0 $0 $0 $0 $157,133 $495,360 2050 86
from:-> XXXX 2003 2051 87 5.0% $164,989 $0 $0 $0 $0 $0 $0 $0 $0 $0 $164,989 $338,228 2051 87
to :-> YYYY 2022 2052 88 5.0% $173,239 $0 $0 $0 $0 $0 $0 $0 $0 $0 $173,239 $173,239 2052 88
2053 89 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2053 89
- *Children 10000 2054 90 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2054 90
from:-> XXXX 2003 2055 91 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2055 91
to :-> YYYY 2030 2056 92 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2056 92
2057 93 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2057 93
- *Income Tax 4000 2058 94 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2058 94
from:-> XXXX 2003 2059 95 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2059 95
to :-> YYYY 2020 2060 96 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2060 96
2061 97 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2061 97
2062 98 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2062 98
Other Installment 1 2063 99 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2063 99
Other Installment 1 0 2064 100 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2064 100
from:-> XXXX 2003 2065 101 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2065 101
to :-> YYYY 2075 2066 102 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2066 102
2067 103 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2067 103
Other Installment 2 2068 104 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2068 104
Other Installment 2 0 2069 105 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2069 105
from:-> XXXX 2003 2070 106 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2070 106
to :-> YYYY 2076 2071 107 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2071 107
2072 108 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2072 108
Other Installment 3 2073 109 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2073 109
Other Installment 3 0 2074 110 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2074 110
from:-> XXXX 2003 2075 111 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2075 111
to :-> YYYY 2077 2076 112 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2076 112
2077 113 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2077 113
2078 114 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2078 114
2079 115 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2079 115
2080 116 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2080 116
2081 117 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2081 117
2082 118 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2082 118
2083 119 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2083 119
2084 120 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2084 120
2085 121 5.0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 2085 121

Yearly Housing Car Equipment Children Income Other Other Other Total
Sub Total of Individual Class of Expenses Need Installment Installment Installment Insurrance Expenses Tax Installment 1 Installment 2 Installment 3 Expenses
$3,191,611 $132,000 $132,000 $6,300 $52,000 $210,000 $44,000 $0 $0 $0 $3,767,911

Break Down of Major Expenses Break Down of Yearly Basic Need

Yearly Expenses
Need Income
Housing Tax
Installment Other
Car Installment 1
Installment Other
Equipment Installment 2
Installment Other
Installment 3
Insurrance
Children
How Much Do you Spend Every Year?
 BONUS
FEATURE!
Solver

The Solver will Calculate

the Amount of Cash Required to Retire Now!
It takes the Compound Interest into Consideration
If you have the Cash Now!

Total Sum After the Execution of

Reuired to The Solver…
Total Spend from This Column shows the
Annual Now till Leave amount of $$$$ you
Years Age Expenses Planet Earth can retire w.r.t year…
2010 46 $64,620 $3,767,911 3,320,004
2011 47 $65,736 $3,703,291 3,271,984
2012 48 $66,908 $3,637,555 3,222,608
2013 49 $68,138 $3,570,648 3,171,814
2014 50 $69,430 $3,502,509 3,119,535
2015 51 $70,787 $3,433,079 3,065,702
2016 52 $72,211 $3,362,293 3,010,244
2017 53 $73,706 $3,290,082 2,953,084
2018 54 $75,277 $3,216,375 2,894,143
2019 55 $76,926 $3,141,098 2,833,337
2020 56 $78,657 $3,064,173 2,770,578
2021 57 $52,475 $2,985,516 2,705,774
2022 58 $54,384 $2,933,041 2,666,828
2023 59 $52,388 $2,878,658 2,625,779
2024 60 $54,492 $2,826,270 2,586,520
2025 61 $56,702 $2,771,778 2,544,961
2026 62 $59,022 $2,715,076 2,500,984
2027 63 $61,458 $2,656,054 2,454,467
2028 64 $64,016 $2,594,596 2,405,281
2029 65 $66,702 $2,530,581 2,353,292
2030 66 $69,522 $2,463,879 2,298,357
2031 67 $62,183 $2,394,358 2,240,327
2032 68 $65,292 $2,332,175 2,189,346
2033 69 $68,556 $2,266,883 2,135,001
2034 70 $71,984 $2,198,327 2,077,120
2035 71 $75,583 $2,126,342 2,015,521
2036 72 $79,363 $2,050,759 1,950,015
2037 73 $83,331 $1,971,396 1,880,403
2038 74 $87,497 $1,888,066 1,806,474
2039 75 $91,872 $1,800,568 1,728,009
2040 76 $96,466 $1,708,696 1,644,777
2041 77 $101,289 $1,612,230 1,556,535
2042 78 $106,353 $1,510,941 1,463,029
2043 79 $111,671 $1,404,588 1,363,990
2044 80 $117,255 $1,292,917 1,259,139
2045 81 $123,117 $1,175,662 1,148,180
2046 82 $129,273 $1,052,545 1,030,803
2047 83 $135,737 $923,271 906,684
2048 84 $142,524 $787,534 775,481
2049 85 $149,650 $645,010 636,834
2050 86 $157,133 $495,360 490,368
2051 87 $164,989 $338,228 335,687
2052 88 $173,239 $173,239 172,377
2053 89 $0 $0 0
2054 90 $0 $0 0
2055 91 $0 $0 0
2056 92 $0 $0 0
2057 93 $0 $0 0
2058 94 $0 $0 0
2059 95 $0 $0 0
2060 96 $0 $0 0
2061 97 $0 $0 0
2062 98 $0 $0 0
2063 99 $0 $0 0
2064 100 $0 $0 0
2065 101 $0 $0 0
2066 102 $0 $0 0
2067 103 $0 $0 0
2068 104 $0 $0 0
2069 105 $0 $0 0
2070 106 $0 $0 0
2071 107 $0 $0 0
2072 108 $0 $0 0
2073 109 $0 $0 0
2074 110 $0 $0 0
2075 111 $0 $0 0
2076 112 $0 $0 0
2077 113 $0 $0 0
2078 114 $0 $0 0
2079 115 $0 $0 0
2080 116 $0 $0 0
2081 117 $0 $0 0
2082 118 $0 $0 0
2083 119 $0 $0 0
2084 120 $0 $0 0
2085 121 $0 $0 0
 1
How to Use it….
Step 1: Go to Tools Menu
Step 2: Select "Solver"
Step 3: Press "Solve"
Step 4: Press "OK"

Note: If you do not find the Solver in the Tool Menu,

please follow the Installation instruction in the
welcome page (bottom portion).
 RETIREMENT PLAN CALCULATION S
Instructions: 1) Fill up the Current Cash at D16, the Bank interest Rate will copy over from Welcome Page.

2) Enter the Annual income, this work sheet provide 3 steams of input for income. Where Stream 1 and St

to most families. Stream 3 is pure cash entry such as part -time business, etc.. If not applicable, please
3) Enter the CPF 1 & 2 Account with current value in respective account. (Interest Rate Refer to Last Shee
4) Enter the Insurrance Payback due to Maturity…
5) See How Much More Do you need to Earn…

Sheet 2: Incomes Calculation (Normal

Cash and Annual Income working inc
2
Total Sum Annual Increment Stream 1 Stream 2 Stream 3
Reuired to Number of Percent-> 2.0% 0.0% 0.0%
Spend from Current Bank Stream 1 Stream 2 Stream 3 Cash
Now till Leave Your Cash in Int. Annual Annual Annual Saved fr.
Planet Earth Years Age Bank 1 Rate Income 3 Income Income Stream1
$3,767,911 2010 46 $20,000 0.50% 50,555 30,000 0 $40,444
$3,703,291 2011 47 $19,924 0.50% 51,566 30,000 0 $41,253
$3,637,555 2012 48 $19,541 0.50% 52,597 30,000 0 $42,078
$3,570,648 2013 49 $18,808 0.50% 53,649 30,000 0 $42,919
$3,502,509 2014 50 $17,684 0.50% 0 0 0 $0
$3,433,079 2015 51 -$51,658 0.50% 0 0 0 $0
$3,362,293 2016 52 -$122,703 0.50% 0 0 0 $0
$3,290,082 2017 53 -$195,527 0.50% 0 0 0 $0
$3,216,375 2018 54 -$270,211 0.50% 0 0 0 $0
$3,141,098 2019 55 -$346,839 0.50% 0 0 0 $0
$3,064,173 2020 56 -$425,499 0.50% 0 0 0 $0
$2,985,516 2021 57 -$506,284 0.50% 0 0 0 $0
$2,933,041 2022 58 -$561,290 0.50% 0 0 0 $0
$2,878,658 2023 59 -$618,480 0.50% 0 0 0 $0
$2,826,270 2024 60 -$673,960 0.50% 0 0 0 $0
$2,771,778 2025 61 -$731,822 0.50% 0 0 0 $0
$2,715,076 2026 62 -$792,182 0.50% 0 0 0 $0
$2,656,054 2027 63 -$755,165 0.50% 0 0 0 $0
$2,594,596 2028 64 -$820,399 0.50% 0 0 0 $0
$2,530,581 2029 65 -$888,517 0.50% 0 0 0 $0
$2,463,879 2030 66 -$959,661 0.50% 0 0 0 $0
$2,394,358 2031 67 -$1,033,981 0.50% 0 0 0 $0
$2,332,175 2032 68 -$1,101,333 0.50% 0 0 0 $0
$2,266,883 2033 69 -$1,172,132 0.50% 0 0 0 $0
$2,198,327 2034 70 -$1,246,549 0.50% 0 0 0 $0
$2,126,342 2035 71 -$1,324,766 0.50% 0 0 0 $0
$2,050,759 2036 72 -$1,406,973 0.50% 0 0 0 $0
$1,971,396 2037 73 -$1,493,370 0.50% 0 0 0 $0
$1,888,066 2038 74 -$1,584,168 0.50% 0 0 0 $0
$1,800,568 2039 75 -$1,679,586 0.50% 0 0 0 $0
$1,708,696 2040 76 -$1,779,856 0.50% 0 0 0 $0
$1,612,230 2041 77 -$1,885,221 0.50% 0 0 0 $0
$1,510,941 2042 78 -$1,995,936 0.50% 0 0 0 $0
$1,404,588 2043 79 -$2,112,270 0.50% 0 0 0 $0
$1,292,917 2044 80 -$2,234,502 0.50% 0 0 0 $0
$1,175,662 2045 81 -$2,362,929 0.50% 0 0 0 $0
$1,052,545 2046 82 -$2,497,861 0.50% 0 0 0 $0
$923,271 2047 83 -$2,639,624 0.50% 0 0 0 $0
$787,534 2048 84 -$2,788,559 0.50% 0 0 0 $0
$645,010 2049 85 -$2,945,026 0.50% 0 0 0 $0
$495,360 2050 86 -$3,109,401 0.50% 0 0 0 $0
$338,228 2051 87 -$3,282,081 0.50% 0 0 0 $0
$173,239 2052 88 -$3,463,480 0.50% 0 0 0 $0
$0 2053 89 -$3,654,036 0.50% 0 0 0 $0
$0 2054 90 -$3,672,306 0.50% 0 0 0 $0
$0 2055 91 -$3,690,668 0.50% 0 0 0 $0
$0 2056 92 -$3,709,121 0.50% 0 0 0 $0
$0 2057 93 -$3,727,667 0.50% 0 0 0 $0
$0 2058 94 -$3,746,305 0.50% 0 0 0 $0
$0 2059 95 -$3,765,037 0.50% 0 0 0 $0
$0 2060 96 -$3,783,862 0.50% 0 0 0 $0
$0 2061 97 -$3,802,781 0.50% 0 0 0 $0
$0 2062 98 -$3,821,795 0.50% 0 0 0 $0
$0 2063 99 -$3,840,904 0.50% 0 0 0 $0
$0 2064 100 -$3,860,109 0.50% 0 0 0 $0
$0 2065 101 -$3,879,409 0.50% 0 0 0 $0
$0 2066 102 -$3,898,806 0.50% 0 0 0 $0
$0 2067 103 -$3,918,300 0.50% 0 0 0 $0
$0 2068 104 -$3,937,892 0.50% 0 0 0 $0
$0 2069 105 -$3,957,581 0.50% 0 0 0 $0
$0 2070 106 -$3,977,369 0.50% 0 0 0 $0
$0 2071 107 -$3,997,256 0.50% 0 0 0 $0
$0 2072 108 -$4,017,242 0.50% 0 0 0 $0
$0 2073 109 -$4,037,328 0.50% 0 0 0 $0
$0 2074 110 -$4,057,515 0.50% 0 0 0 $0
$0 2075 111 -$4,077,803 0.50% 0 0 0 $0
$0 2076 112 -$4,098,192 0.50% 0 0 0 $0
$0 2077 113 -$4,118,683 0.50% 0 0 0 $0
$0 2078 114 -$4,139,276 0.50% 0 0 0 $0
$0 2079 115 -$4,159,972 0.50% 0 0 0 $0
$0 2080 116 -$4,180,772 0.50% 0 0 0 $0
$0 2081 117 -$4,201,676 0.50% 0 0 0 $0
$0 2082 118 -$4,222,685 0.50% 0 0 0 $0
$0 2083 119 -$4,243,798 0.50% 0 0 0 $0
$0 2084 120 -$4,265,017 0.50% 0 0 0 $0
$0 2085 121 -$4,286,342 0.50% 0 0 0 $0
ULATION SHEET (Ver. 1.3)
elcome Page.

e. Where Stream 1 and Stream 2 have Auto CPF Calculation, which applicable

c.. If not applicable, please enter '0'.

st Rate Refer to Last Sheet, Which is taken care off...)

al
me working income without investment)
6 CPF
Interest Rates for:-> Ordinary: 2.5% Meisave:
Special: 4.0% Retirement:
Cash Yearly CPF Account 1
Saved fr. Saved 4 Ord. Acc. 1 Sp. Acc. 1 Med. Acc. 1
4
Stream2 Cash Ordinary 1 Special 1 Medisave 1 Income Income Income
$24,000 -$176 $10,000 $1,000 $1,000 $11,122 $3,033 $4,044
$24,000 -$483 $21,372 $4,073 $5,084 $11,345 $3,094 $4,125
$24,000 -$830 $33,251 $7,330 $9,413 $11,571 $3,156 $4,208
$24,000 -$1,219 $45,654 $10,779 $13,997 $11,803 $3,219 $4,292
$0 -$69,430 $58,598 $14,429 $18,849 $0 $0 $0
$0 -$70,787 $60,063 $15,007 $19,603 $0 $0 $0
$0 -$72,211 $61,564 $15,607 $20,387 $0 $0 $0
$0 -$73,706 $63,103 $16,231 $21,203 $0 $0 $0
$0 -$75,277 $64,681 $16,880 $22,051 $0 $0 $0
$0 -$76,926 $66,298 $17,556 $22,933 $0 $0 $0
$0 -$78,657 $68,950 $18,258 $23,850 $0 $0 $0
$0 -$52,475 $71,708 $18,988 $24,804 $0 $0 $0
$0 -$54,384 $74,576 $19,748 $25,796 $0 $0 $0
$0 -$52,388 $77,559 $20,538 $26,828 $0 $0 $0
$0 -$54,492 $80,662 $21,359 $27,901 $0 $0 $0
$0 -$56,702 $83,888 $22,213 $29,018 $0 $0 $0
$0 -$59,022 $87,244 $23,102 $30,178 $0 $0 $0
$0 -$61,458 $90,734 $24,026 $31,385 $0 $0 $0
$0 -$64,016 $94,363 $24,987 $32,641 $0 $0 $0
$0 -$66,702 $98,137 $25,987 $33,946 $0 $0 $0
$0 -$69,522 $102,063 $27,026 $35,304 $0 $0 $0
$0 -$62,183 $106,145 $28,107 $36,716 $0 $0 $0
$0 -$65,292 $110,391 $29,231 $38,185 $0 $0 $0
$0 -$68,556 $114,807 $30,401 $39,712 $0 $0 $0
$0 -$71,984 $119,399 $31,617 $41,301 $0 $0 $0
$0 -$75,583 $124,175 $32,881 $42,953 $0 $0 $0
$0 -$79,363 $129,142 $34,196 $44,671 $0 $0 $0
$0 -$83,331 $134,308 $35,564 $46,458 $0 $0 $0
$0 -$87,497 $139,680 $36,987 $48,316 $0 $0 $0
$0 -$91,872 $145,267 $38,466 $50,249 $0 $0 $0
$0 -$96,466 $151,078 $40,005 $52,259 $0 $0 $0
$0 -$101,289 $157,121 $41,605 $54,349 $0 $0 $0
$0 -$106,353 $163,406 $43,269 $56,523 $0 $0 $0
$0 -$111,671 $169,942 $45,000 $58,784 $0 $0 $0
$0 -$117,255 $176,740 $46,800 $61,136 $0 $0 $0
$0 -$123,117 $183,809 $48,672 $63,581 $0 $0 $0
$0 -$129,273 $191,162 $50,619 $66,124 $0 $0 $0
$0 -$135,737 $198,808 $52,644 $68,769 $0 $0 $0
$0 -$142,524 $206,761 $54,750 $71,520 $0 $0 $0
$0 -$149,650 $215,031 $56,940 $74,381 $0 $0 $0
$0 -$157,133 $223,632 $59,217 $77,356 $0 $0 $0
$0 -$164,989 $232,578 $61,586 $80,450 $0 $0 $0
$0 -$173,239 $241,881 $64,049 $83,668 $0 $0 $0
$0 $0 $251,556 $66,611 $87,015 $0 $0 $0
$0 $0 $261,618 $69,276 $90,496 $0 $0 $0
$0 $0 $272,083 $72,047 $94,115 $0 $0 $0
$0 $0 $282,966 $74,929 $97,880 $0 $0 $0
$0 $0 $294,285 $77,926 $101,795 $0 $0 $0
$0 $0 $306,056 $81,043 $105,867 $0 $0 $0
$0 $0 $318,299 $84,285 $110,102 $0 $0 $0
$0 $0 $331,030 $87,656 $114,506 $0 $0 $0
$0 $0 $344,272 $91,162 $119,086 $0 $0 $0
$0 $0 $358,043 $94,809 $123,849 $0 $0 $0
$0 $0 $372,364 $98,601 $128,803 $0 $0 $0
$0 $0 $387,259 $102,545 $133,955 $0 $0 $0
$0 $0 $402,749 $106,647 $139,314 $0 $0 $0
$0 $0 $418,859 $110,913 $144,886 $0 $0 $0
$0 $0 $435,613 $115,349 $150,682 $0 $0 $0
$0 $0 $453,038 $119,963 $156,709 $0 $0 $0
$0 $0 $471,160 $124,762 $162,977 $0 $0 $0
$0 $0 $490,006 $129,752 $169,496 $0 $0 $0
$0 $0 $509,606 $134,942 $176,276 $0 $0 $0
$0 $0 $529,990 $140,340 $183,327 $0 $0 $0
$0 $0 $551,190 $145,954 $190,660 $0 $0 $0
$0 $0 $573,238 $151,792 $198,287 $0 $0 $0
$0 $0 $596,167 $157,863 $206,218 $0 $0 $0
$0 $0 $620,014 $164,178 $214,467 $0 $0 $0
$0 $0 $644,814 $170,745 $223,046 $0 $0 $0
$0 $0 $670,607 $177,575 $231,968 $0 $0 $0
$0 $0 $697,431 $184,678 $241,246 $0 $0 $0
$0 $0 $725,328 $192,065 $250,896 $0 $0 $0
$0 $0 $754,342 $199,748 $260,932 $0 $0 $0
$0 $0 $784,515 $207,737 $271,369 $0 $0 $0
$0 $0 $815,896 $216,047 $282,224 $0 $0 $0
$0 $0 $848,532 $224,689 $293,513 $0 $0 $0
$0 $0 $882,473 $233,676 $305,253 $0 $0 $0
CPF 7
7
4.0% Insurance Liquidable
4.0% Payback
CPF Account 2 Insurance
5 Ord. Acc. 2 Sp. Acc 2 Med. Acc. 2 Maturity At the Age of..
Ordinary 2 Special 2 Medisave 2 Income Income Income (Lump Sum)
$0 $0 $0 $6,600 1800 2400 $0 $31,000
$6,600 $1,800 $2,400 $6,600 1800 2400 $52,641
$13,365 $3,672 $4,896 $6,600 1800 2400 $0 $64,363
$20,299 $5,619 $7,492 $6,600 1800 2400 $76,265
$27,407 $7,644 $10,192 $0 0 0 $76,282
$28,092 $7,949 $10,599 $0 0 0 $8,405
$28,794 $8,267 $11,023 $0 0 0 -$61,139
$29,514 $8,598 $11,464 $0 0 0 -$132,424
$30,252 $8,942 $11,923 $0 0 0 -$205,530
$31,008 $9,300 $12,400 $0 0 0 -$280,541
$32,248 $9,672 $12,896 $0 0 0 -$356,549
$33,538 $10,059 $13,411 $0 0 0 -$434,576
$34,880 $10,461 $13,948 $0 0 0 -$486,713
$36,275 $10,879 $14,506 $0 0 0 -$540,920
$37,726 $11,314 $15,086 $0 0 0 -$593,298
$39,235 $11,767 $15,689 $0 0 0 -$647,933
$40,804 $12,238 $16,317 $0 0 0 $100,000 -$604,939
$42,437 $12,727 $16,970 $0 0 0 -$664,432
$44,134 $13,236 $17,648 $0 0 0 -$726,036
$45,899 $13,766 $18,354 $0 0 0 -$790,379
$47,735 $14,316 $19,089 $0 0 0 -$857,598
$49,645 $14,889 $19,852 $0 0 0 -$927,835
$51,631 $15,485 $20,646 $0 0 0 -$990,942
$53,696 $16,104 $21,472 $0 0 0 -$1,057,325
$55,844 $16,748 $22,331 $0 0 0 -$1,127,150
$58,078 $17,418 $23,224 $0 0 0 -$1,200,591
$60,401 $18,115 $24,153 $0 0 0 -$1,277,831
$62,817 $18,839 $25,119 $0 0 0 -$1,359,063
$65,329 $19,593 $26,124 $0 0 0 -$1,444,488
$67,942 $20,377 $27,169 $0 0 0 -$1,534,319
$70,660 $21,192 $28,256 $0 0 0 -$1,628,778
$73,487 $22,039 $29,386 $0 0 0 -$1,728,100
$76,426 $22,921 $30,561 $0 0 0 -$1,832,530
$79,483 $23,838 $31,784 $0 0 0 -$1,942,327
 $82,662 $24,791 $33,055 $0 0 0 -$2,057,762
$85,969 $25,783 $34,377 $0 0 0 -$2,179,120
$89,408 $26,814 $35,752 $0 0 0 -$2,306,700
$92,984 $27,887 $37,183 $0 0 0 -$2,440,816
$96,703 $29,002 $38,670 $0 0 0 -$2,581,799
$100,571 $30,162 $40,217 $0 0 0 -$2,729,995
$104,594 $31,369 $41,825 $0 0 0 -$2,885,769
$108,778 $32,624 $43,498 $0 0 0 -$3,049,503
$113,129 $33,929 $45,238 $0 0 0 -$3,221,599
$117,654 $35,286 $47,048 $0 0 0 -$3,402,480
$122,361 $36,697 $48,930 $0 0 0 -$3,410,688
$127,255 $38,165 $50,887 $0 0 0 -$3,418,585
$132,345 $39,692 $52,922 $0 0 0 -$3,426,155
$137,639 $41,279 $55,039 $0 0 0 -$3,433,382
$143,145 $42,931 $57,241 $0 0 0 -$3,440,249
$148,870 $44,648 $59,530 $0 0 0 -$3,446,738
$154,825 $46,434 $61,912 $0 0 0 -$3,452,831
$161,018 $48,291 $64,388 $0 0 0 -$3,458,510
$167,459 $50,223 $66,964 $0 0 0 -$3,463,753
$174,157 $52,232 $69,642 $0 0 0 -$3,468,540
$181,124 $54,321 $72,428 $0 0 0 -$3,472,850
$188,368 $56,494 $75,325 $0 0 0 -$3,476,660
$195,903 $58,753 $78,338 $0 0 0 -$3,479,947
$203,739 $61,104 $81,471 $0 0 0 -$3,482,687
$211,889 $63,548 $84,730 $0 0 0 -$3,484,854
$220,364 $66,090 $88,120 $0 0 0 -$3,486,422
$229,179 $68,733 $91,644 $0 0 0 -$3,487,363
$238,346 $71,483 $95,310 $0 0 0 -$3,487,650
$247,880 $74,342 $99,123 $0 0 0 -$3,487,252
$257,795 $77,316 $103,087 $0 0 0 -$3,486,138
$268,107 $80,408 $107,211 $0 0 0 -$3,484,277
$278,831 $83,625 $111,499 $0 0 0 -$3,481,636
$289,985 $86,970 $115,959 $0 0 0 -$3,478,178
$301,584 $90,448 $120,598 $0 0 0 -$3,473,868
$313,647 $94,066 $125,422 $0 0 0 -$3,468,669
$326,193 $97,829 $130,438 $0 0 0 -$3,462,541
$339,241 $101,742 $135,656 $0 0 0 -$3,455,444
$352,811 $105,812 $141,082 $0 0 0 -$3,447,335
$366,923 $110,044 $146,726 $0 0 0 -$3,438,169
$381,600 $114,446 $152,595 $0 0 0 -$3,427,902
$396,864 $119,024 $158,698 $0 0 0 -$3,416,485
$412,738 $123,785 $165,046 $0 0 0 -$3,403,869
 Total Sum Additional
Reuired to Money
Spend from Need for
Now till Leave Retirement Your
Planet Earth Age
$3,767,911 -$3,736,911 46
$3,703,291 -$3,650,651 47
$3,637,555 -$3,573,192 48
$3,570,648 -$3,494,383 49
$3,502,509 -$3,426,228 50
$3,433,079 -$3,424,674 51
$3,362,293 -$3,423,431 52
$3,290,082 -$3,422,506 53
$3,216,375 -$3,421,906 54
$3,141,098 -$3,421,640 55
$3,064,173 -$3,420,722 56
$2,985,516 -$3,420,091 57
$2,933,041 -$3,419,754 58
$2,878,658 -$3,419,578 59
$2,826,270 -$3,419,568 60
$2,771,778 -$3,419,711 61
$2,715,076 -$3,320,015 62
$2,656,054 -$3,320,486 63
$2,594,596 -$3,320,632 64
$2,530,581 -$3,320,960 65
$2,463,879 -$3,321,477 66
$2,394,358 -$3,322,193 67
$2,332,175 -$3,323,117 68
$2,266,883 -$3,324,208 69
$2,198,327 -$3,325,476 70
$2,126,342 -$3,326,933 71
$2,050,759 -$3,328,590 72
$1,971,396 -$3,330,459 73
$1,888,066 -$3,332,554 74
$1,800,568 -$3,334,887 75
$1,708,696 -$3,337,475 76
$1,612,230 -$3,340,331 77
$1,510,941 -$3,343,472 78
$1,404,588 -$3,346,915 79
$1,292,917 -$3,350,679 80
$1,175,662 -$3,354,782 81
$1,052,545 -$3,359,244 82
$923,271 -$3,364,087 83
$787,534 -$3,369,333 84
$645,010 -$3,375,005 85
$495,360 -$3,381,129 86
$338,228 -$3,387,731 87
$173,239 -$3,394,838 88
$0 -$3,402,480 89
$0 -$3,410,688 90
$0 -$3,418,585 91
$0 -$3,426,155 92
$0 -$3,433,382 93
$0 -$3,440,249 94
$0 -$3,446,738 95
$0 -$3,452,831 96
$0 -$3,458,510 97
$0 -$3,463,753 98
$0 -$3,468,540 99
$0 -$3,472,850 100
$0 -$3,476,660 101
$0 -$3,479,947 102
$0 -$3,482,687 103
$0 -$3,484,854 104
$0 -$3,486,422 105
$0 -$3,487,363 106
$0 -$3,487,650 107
$0 -$3,487,252 108
$0 -$3,486,138 109
$0 -$3,484,277 110
$0 -$3,481,636 111
$0 -$3,478,178 112
$0 -$3,473,868 113
$0 -$3,468,669 114
$0 -$3,462,541 115
$0 -$3,455,444 116
$0 -$3,447,335 117
$0 -$3,438,169 118
$0 -$3,427,902 119
$0 -$3,416,485 120
$0 -$3,403,869 121
 RETIREMENT PLAN CALCULATION
Instructions:1) Fill up the Current Cash Allocation into Bank and Investment. (Cell F16,G16 andH16 in Pink Boxes)

2) Enter theCurrent Investment Account Activities (Cell O16 to R16 in pink box)

3) See the difference in Age to Break Even with Investment…

Sheet 3: Incomes Calculation (With Proper

1
Cash and Income Allocation
Current Yearly % of Saved Cash Amount of Cash
Your Cash in Int. Saved Allocated into Saved into
Years Age Bank Rate Cash Bank Stock Option Bank Stock Option
2010 46 $20,000 0.50% -$176 62% 30% 8% -$109 -$53 -$14
2011 47 $19,991 0.50% -$483 62% 30% 8% -$300 -$145 -$39
2012 48 $19,791 0.50% -$830 62% 30% 8% -$515 -$249 -$66
2013 49 $19,376 0.50% -$1,219 62% 30% 8% -$756 -$366 -$97
2014 50 $18,717 0.50% -$69,430 62% 30% 8% -$43,047 -$20,829 -$5,554
2015 51 -$24,236 0.50% -$70,787 62% 30% 8% -$43,888 -$21,236 -$5,663
2016 52 -$68,245 0.50% -$72,211 62% 30% 8% -$44,771 -$21,663 -$5,777
2017 53 -$113,357 0.50% -$73,706 62% 30% 8% -$45,698 -$22,112 -$5,897
2018 54 -$159,622 0.50% -$75,277 62% 30% 8% -$46,672 -$22,583 -$6,022
2019 55 -$207,091 0.50% -$76,926 62% 30% 8% -$47,694 -$23,078 -$6,154
2020 56 -$255,821 0.50% -$78,657 62% 30% 8% -$48,767 -$23,597 -$6,293
2021 57 -$305,867 0.50% -$52,475 62% 30% 8% -$32,534 -$15,742 -$4,198
2022 58 -$339,931 0.50% -$54,384 62% 30% 8% -$33,718 -$16,315 -$4,351
2023 59 -$375,348 0.50% -$52,388 62% 30% 8% -$32,480 -$15,716 -$4,191
2024 60 -$409,705 0.50% -$54,492 62% 30% 8% -$33,785 -$16,348 -$4,359
2025 61 -$445,539 0.50% -$56,702 62% 30% 8% -$35,155 -$17,011 -$4,536
2026 62 -$482,922 0.50% -$59,022 62% 30% 8% -$36,593 -$17,707 -$4,722
2027 63 -$421,930 0.50% -$61,458 62% 30% 8% -$38,104 -$18,437 -$4,917
2028 64 -$462,143 0.50% -$64,016 62% 30% 8% -$39,690 -$19,205 -$5,121
2029 65 -$504,144 0.50% -$66,702 62% 30% 8% -$41,355 -$20,010 -$5,336
2030 66 -$548,020 0.50% -$69,522 62% 30% 8% -$43,103 -$20,856 -$5,562
2031 67 -$593,863 0.50% -$62,183 62% 30% 8% -$38,553 -$18,655 -$4,975
2032 68 -$635,386 0.50% -$65,292 62% 30% 8% -$40,481 -$19,588 -$5,223
2033 69 -$679,043 0.50% -$68,556 62% 30% 8% -$42,505 -$20,567 -$5,485
2034 70 -$724,944 0.50% -$71,984 62% 30% 8% -$44,630 -$21,595 -$5,759
2035 71 -$773,199 0.50% -$75,583 62% 30% 8% -$46,862 -$22,675 -$6,047
2036 72 -$823,926 0.50% -$79,363 62% 30% 8% -$49,205 -$23,809 -$6,349
2037 73 -$877,251 0.50% -$83,331 62% 30% 8% -$51,665 -$24,999 -$6,666
2038 74 -$933,302 0.50% -$87,497 62% 30% 8% -$54,248 -$26,249 -$7,000
2039 75 -$992,217 0.50% -$91,872 62% 30% 8% -$56,961 -$27,562 -$7,350
2040 76 -$1,054,139 0.50% -$96,466 62% 30% 8% -$59,809 -$28,940 -$7,717
2041 77 -$1,119,218 0.50% -$101,289 62% 30% 8% -$62,799 -$30,387 -$8,103
2042 78 -$1,187,614 0.50% -$106,353 62% 30% 8% -$65,939 -$31,906 -$8,508
2043 79 -$1,259,491 0.50% -$111,671 62% 30% 8% -$69,236 -$33,501 -$8,934
2044 80 -$1,335,024 0.50% -$117,255 62% 30% 8% -$72,698 -$35,176 -$9,380
2045 81 -$1,414,397 0.50% -$123,117 62% 30% 8% -$76,333 -$36,935 -$9,849
2046 82 -$1,497,802 0.50% -$129,273 62% 30% 8% -$80,149 -$38,782 -$10,342
2047 83 -$1,585,441 0.50% -$135,737 62% 30% 8% -$84,157 -$40,721 -$10,859
2048 84 -$1,677,525 0.50% -$142,524 62% 30% 8% -$88,365 -$42,757 -$11,402
2049 85 -$1,774,277 0.50% -$149,650 62% 30% 8% -$92,783 -$44,895 -$11,972
2050 86 -$1,875,932 0.50% -$157,133 62% 30% 8% -$97,422 -$47,140 -$12,571
2051 87 -$1,982,733 0.50% -$164,989 62% 30% 8% ### -$49,497 -$13,199
2052 88 -$2,094,940 0.50% -$173,239 62% 30% 8% ### -$51,972 -$13,859
2053 89 -$2,212,823 0.50% $0 62% 30% 8% $0 $0 $0
2054 90 -$2,223,887 0.50% $0 62% 30% 8% $0 $0 $0
2055 91 -$2,235,007 0.50% $0 62% 30% 8% $0 $0 $0
2056 92 -$2,246,182 0.50% $0 62% 30% 8% $0 $0 $0
2057 93 -$2,257,413 0.50% $0 62% 30% 8% $0 $0 $0
2058 94 -$2,268,700 0.50% $0 62% 30% 8% $0 $0 $0
2059 95 -$2,280,043 0.50% $0 62% 30% 8% $0 $0 $0
2060 96 -$2,291,443 0.50% $0 62% 30% 8% $0 $0 $0
2061 97 -$2,302,901 0.50% $0 62% 30% 8% $0 $0 $0
2062 98 -$2,314,415 0.50% $0 62% 30% 8% $0 $0 $0
2063 99 -$2,325,987 0.50% $0 62% 30% 8% $0 $0 $0
2064 100 -$2,337,617 0.50% $0 62% 30% 8% $0 $0 $0
2065 101 -$2,349,305 0.50% $0 62% 30% 8% $0 $0 $0
2066 102 -$2,361,052 0.50% $0 62% 30% 8% $0 $0 $0
2067 103 -$2,372,857 0.50% $0 62% 30% 8% $0 $0 $0
2068 104 -$2,384,721 0.50% $0 62% 30% 8% $0 $0 $0
2069 105 -$2,396,645 0.50% $0 62% 30% 8% $0 $0 $0
2070 106 -$2,408,628 0.50% $0 62% 30% 8% $0 $0 $0
2071 107 -$2,420,671 0.50% $0 62% 30% 8% $0 $0 $0
2072 108 -$2,432,775 0.50% $0 62% 30% 8% $0 $0 $0
2073 109 -$2,444,938 0.50% $0 62% 30% 8% $0 $0 $0
2074 110 -$2,457,163 0.50% $0 62% 30% 8% $0 $0 $0
2075 111 -$2,469,449 0.50% $0 62% 30% 8% $0 $0 $0
2076 112 -$2,481,796 0.50% $0 62% 30% 8% $0 $0 $0
2077 113 -$2,494,205 0.50% $0 62% 30% 8% $0 $0 $0
2078 114 -$2,506,676 0.50% $0 62% 30% 8% $0 $0 $0
2079 115 -$2,519,210 0.50% $0 62% 30% 8% $0 $0 $0
2080 116 -$2,531,806 0.50% $0 62% 30% 8% $0 $0 $0
2081 117 -$2,544,465 0.50% $0 62% 30% 8% $0 $0 $0
2082 118 -$2,557,187 0.50% $0 62% 30% 8% $0 $0 $0
2083 119 -$2,569,973 0.50% $0 62% 30% 8% $0 $0 $0
2084 120 -$2,582,823 0.50% $0 62% 30% 8% $0 $0 $0
2085 121 -$2,595,737 0.50% $0 62% 30% 8% $0 $0 $0
CULATION SHEET (Ver. 1.3)
H16 in Pink Boxes)

n (With Proper Investment Plan)

Insurance 2
CPF Payback Investment Activities Liquidable
Ordinary Special Insurance Ave. Ave.
Account Account Maturity Value in Gain in Value in Gain in At the Age of..
1 and 2 1 and 2 (Lump Sum) Stock Stock Option Option
$10,000 $1,000 $0 $1,000 8% $500 10% $32,500
$27,972 $5,873 $0 $1,027 8% $536 10% $55,399
$46,616 $11,002 $0 $964 8% $551 10% $78,925
$65,953 $16,398 $0 $793 8% $540 10% $103,059
$86,004 $22,073 $0 $490 8% $496 10% $127,781
$88,155 $22,956 $0 -$20,299 8% -$5,009 10% $61,566
$90,358 $23,874 $0 -$43,159 8% -$11,173 10% -$8,344
$92,617 $24,829 $0 -$68,275 8% -$18,067 10% -$82,252
$94,933 $25,822 $0 -$95,849 8% -$25,770 10% -$160,486
$97,306 $26,855 $0 -$126,100 8% -$34,369 10% -$243,399
$101,198 $27,929 $0 -$159,266 8% -$43,960 10% -$329,919
$105,246 $29,047 $0 -$195,604 8% -$54,649 10% -$421,827
$109,456 $30,208 $0 -$226,995 8% -$64,311 10% -$491,573
$113,834 $31,417 $0 -$261,470 8% -$75,093 10% -$566,660
$118,388 $32,673 $0 -$298,104 8% -$86,794 10% -$643,541
$123,123 $33,980 $0 -$338,300 8% -$99,832 10% -$726,567
$128,048 $35,340 $100,000 -$382,374 8% -$114,352 10% -$816,260
$133,170 $36,753 $0 -$430,670 8% -$130,509 10% -$813,186
$138,497 $38,223 $0 -$483,561 8% -$148,476 10% -$917,461
$144,037 $39,752 $0 -$541,451 8% -$168,445 10% -$1,030,251
$149,798 $41,342 $0 -$604,778 8% -$190,626 10% -$1,152,282
$155,790 $42,996 $0 -$674,016 8% -$215,250 0% -$1,284,343
$162,022 $44,716 $0 -$746,592 8% -$220,224 0% -$1,395,465
$168,503 $46,505 $0 -$825,907 8% -$225,448 0% -$1,515,391
$175,243 $48,365 $0 -$912,547 8% -$230,932 0% -$1,644,815
$182,253 $50,299 $0 -$1,007,146 8% -$236,691 0% -$1,784,484
$189,543 $52,311 $0 -$1,110,393 8% -$242,738 0% -$1,935,203
$197,124 $54,404 $0 -$1,223,033 8% -$249,087 0% -$2,097,842
$205,009 $56,580 $0 -$1,345,875 8% -$255,753 0% -$2,273,341
$213,210 $58,843 $0 -$1,479,794 8% -$262,753 0% -$2,462,711
$221,738 $61,197 $0 -$1,625,739 8% -$270,103 0% -$2,667,046
$230,608 $63,645 $0 -$1,784,738 8% -$277,820 0% -$2,887,524
$239,832 $66,190 $0 -$1,957,904 8% -$285,923 0% -$3,125,418
 $249,425 $68,838 $0 -$2,146,442 8% -$294,431 0% -$3,382,101
$259,402 $71,592 $0 -$2,351,659 8% -$303,365 0% -$3,659,054
$269,778 $74,455 $0 -$2,574,968 8% -$312,745 0% -$3,957,877
$280,569 $77,433 $0 -$2,817,901 8% -$322,595 0% -$4,280,295
$291,792 $80,531 $0 -$3,082,115 8% -$332,937 0% -$4,628,169
$303,464 $83,752 $0 -$3,369,405 8% -$343,796 0% -$5,003,509
$315,603 $87,102 $0 -$3,681,714 8% -$355,198 0% -$5,408,485
$328,227 $90,586 $0 -$4,021,147 8% -$367,170 0% -$5,845,435
$341,356 $94,210 $0 -$4,389,978 8% -$379,740 0% -$6,316,886
$355,010 $97,978 $0 -$4,790,673 8% -$392,939 0% -$6,825,565
$369,210 $101,897 $0 -$5,225,898 8% -$406,798 0% -$7,374,412
$383,979 $105,973 $0 -$5,643,970 8% -$406,798 0% -$7,784,704
$399,338 $110,212 $0 -$6,095,488 8% -$406,798 0% -$8,227,743
$415,311 $114,620 $0 -$6,583,127 8% -$406,798 0% -$8,706,175
$431,924 $119,205 $0 -$7,109,777 8% -$406,798 0% -$9,222,859
$449,201 $123,973 $0 -$7,678,559 8% -$406,798 0% -$9,780,883
$467,169 $128,932 $0 -$8,292,844 8% -$406,798 0% -$10,383,584
$485,856 $134,090 $0 -$8,956,272 8% -$406,798 0% -$11,034,568
$505,290 $139,453 $0 -$9,672,773 8% -$406,798 0% -$11,737,729
$525,501 $145,031 $0 -$10,446,595 8% -$406,798 0% -$12,497,276
$546,521 $150,833 $0 -$11,282,323 8% -$406,798 0% -$13,317,754
$568,382 $156,866 $0 -$12,184,909 8% -$406,798 0% -$14,204,076
$591,118 $163,141 $0 -$13,159,701 8% -$406,798 0% -$15,161,547
$614,762 $169,666 $0 -$14,212,477 8% -$406,798 0% -$16,195,899
$639,353 $176,453 $0 -$15,349,476 8% -$406,798 0% -$17,313,325
$664,927 $183,511 $0 -$16,577,434 8% -$406,798 0% -$18,520,515
$691,524 $190,851 $0 -$17,903,628 8% -$406,798 0% -$19,824,696
$719,185 $198,485 $0 -$19,335,919 8% -$406,798 0% -$21,233,675
$747,952 $206,425 $0 -$20,882,792 8% -$406,798 0% -$22,755,884
$777,870 $214,682 $0 -$22,553,415 8% -$406,798 0% -$24,400,436
$808,985 $223,269 $0 -$24,357,689 8% -$406,798 0% -$26,177,171
$841,345 $232,200 $0 -$26,306,304 8% -$406,798 0% -$28,096,721
$874,998 $241,488 $0 -$28,410,808 8% -$406,798 0% -$30,170,569
$909,998 $251,147 $0 -$30,683,673 8% -$406,798 0% -$32,411,121
$946,398 $261,193 $0 -$33,138,367 8% -$406,798 0% -$34,831,778
$984,254 $271,641 $0 -$35,789,436 8% -$406,798 0% -$37,447,015
$1,023,624 $282,507 $0 -$38,652,591 8% -$406,798 0% -$40,272,468
$1,064,569 $293,807 $0 -$41,744,798 8% -$406,798 0% -$43,325,026
$1,107,152 $305,559 $0 -$45,084,382 8% -$406,798 0% -$46,622,933
$1,151,438 $317,782 $0 -$48,691,132 8% -$406,798 0% -$50,185,898
$1,197,496 $330,493 $0 -$52,586,423 8% -$406,798 0% -$54,035,206
$1,245,396 $343,713 $0 -$56,793,337 8% -$406,798 0% -$58,193,850
$1,295,211 $357,461 $0 -$61,336,804 8% -$406,798 0% -$62,686,666
 Additional
Total Sum Money
Reuired to Need for
Now till Leave Retirement Your
Planet Earth Age
$3,767,911 -$3,735,411 46
$3,703,291 -$3,647,892 47
$3,637,555 -$3,558,631 48
$3,570,648 -$3,467,589 49
$3,502,509 -$3,374,728 50
$3,433,079 -$3,371,513 51
$3,362,293 -$3,370,637 52
$3,290,082 -$3,372,334 53
$3,216,375 -$3,376,861 54
$3,141,098 -$3,384,498 55
$3,064,173 -$3,394,092 56
$2,985,516 -$3,407,343 57
$2,933,041 -$3,424,614 58
$2,878,658 -$3,445,318 59
$2,826,270 -$3,469,811 60
$2,771,778 -$3,498,345 61
$2,715,076 -$3,531,336 62
$2,656,054 -$3,469,240 63
$2,594,596 -$3,512,057 64
$2,530,581 -$3,560,832 65
$2,463,879 -$3,616,161 66
$2,394,358 -$3,678,701 67
$2,332,175 -$3,727,640 68
$2,266,883 -$3,782,275 69
$2,198,327 -$3,843,142 70
$2,126,342 -$3,910,826 71
$2,050,759 -$3,985,962 72
$1,971,396 -$4,069,239 73
$1,888,066 -$4,161,406 74
$1,800,568 -$4,263,279 75
$1,708,696 -$4,375,742 76
$1,612,230 -$4,499,754 77
$1,510,941 -$4,636,359 78
$1,404,588 -$4,786,689 79
$1,292,917 -$4,951,971 80
$1,175,662 -$5,133,539 81
$1,052,545 -$5,332,839 82
$923,271 -$5,551,440 83
$787,534 -$5,791,044 84
$645,010 -$6,053,495 85
$495,360 -$6,340,795 86
$338,228 -$6,655,114 87
$173,239 -$6,998,803 88
$0 -$7,374,412 89
$0 -$7,784,704 90
$0 -$8,227,743 91
$0 -$8,706,175 92
$0 -$9,222,859 93
$0 -$9,780,883 94
$0 -$10,383,584 95
$0 -$11,034,568 96
$0 -$11,737,729 97
$0 -$12,497,276 98
$0 -$13,317,754 99
$0 -$14,204,076 100
$0 -$15,161,547 101
$0 -$16,195,899 102
$0 -$17,313,325 103
$0 -$18,520,515 104
$0 -$19,824,696 105
$0 -$21,233,675 106
$0 -$22,755,884 107
$0 -$24,400,436 108
$0 -$26,177,171 109
$0 -$28,096,721 110
$0 -$30,170,569 111
$0 -$32,411,121 112
$0 -$34,831,778 113
$0 -$37,447,015 114
$0 -$40,272,468 115
$0 -$43,325,026 116
$0 -$46,622,933 117
$0 -$50,185,898 118
$0 -$54,035,206 119
$0 -$58,193,850 120
$0 -$62,686,666 121
Reference Sites: CPF Home Page (click when contected to internet)

The CPF contribution rates are as follows:

CPF Member Contribution Rate

Note that the following two table are CPF contribution rate for Income 1 and Income 2 respectively.
If you are not sure how much is the rate, click on the above link to find out. (Private sector and
Government sector are different, thus there are two tables for different stream of incomes.)

Income Stream 1: CPF Scheme and working formula

Employer's Employee's Total

Age group Contribution Contribution Contribution Ordinary
(% of Salary) (% of Salary) (% of Salary) Account
35 and Below 16.00% 20.00% 36.00% 26.00%
36 to 45 16.00% 20.00% 36.00% 23.00%
46 to 55 16.00% 20.00% 36.00% 22.00%
56 to 60 6.00% 12.50% 18.50% 10.50%
61 to 65 3.50% 7.50% 11.00% 2.50%
66 and Above 3.50% 5.00% 8.50% 0.00%
Stream 2 CPF Cap $72,000.00

Income Stream 2: CPF Scheme and working formula

Employer's Employee's Total

Age group Contribution Contribution Contribution Ordinary
(% of Salary) (% of Salary) (% of Salary) Account
35 and Below 16.00% 20.00% 36.00% 26.00%
36 to 45 16.00% 20.00% 36.00% 23.00%
46 to 55 16.00% 20.00% 36.00% 22.00%
56 to 60 6.00% 12.50% 18.50% 10.50%
61 to 65 3.50% 7.50% 11.00% 2.50%
66 and Above 3.50% 5.00% 8.50% 0.00%
Stream 2 CPF Cap $72,000.00
and Income 2 respectively.
ut. (Private sector and
ream of incomes.)

rking formula

Special Medisave
Account Account
4.00% 6.00%
6.00% 7.00%
6.00% 8.00%
0.00% 8.00%
0.00% 8.50%
0.00% 8.50%

rking formula

Special Medisave
Account Account
4.00% 6.00%
6.00% 7.00%
6.00% 8.00%
0.00% 8.00%
0.00% 8.50%
0.00% 8.50%
This are just the cell name co-responding to the left handside table, for program debugging purpose..
Employee's
Contribution
(% of Salary)
CPF_S1_Emyee_Con_below36
CPF_S1_Emyee_Con_36_to_45
CPF_S1_Emyee_Con_46_to_55
CPF_S1_Emyee_Con_56_to_60
CPF_S1_Emyee_Con_61_to_65
CPF_S1_Emyee_Con_above65
Employee's
Contribution
(% of Salary)
CPF_S2_Emyee_Con_below36
CPF_S2_Emyee_Con_36_to_45
CPF_S2_Emyee_Con_46_to_55
CPF_S2_Emyee_Con_56_to_60
CPF_S2_Emyee_Con_61_to_65
CPF_S2_Emyee_Con_above65
Ordinary
Account
CPF_S1_Ord_Acc_Con_below36
CPF_S1_Ord_Acc_Con_36_to_45
CPF_S1_Ord_Acc_Con_46_to_55
CPF_S1_Ord_Acc_Con_56_to_60
CPF_S1_Ord_Acc_Con_61_to_65
CPF_S1_Ord_Acc_Con_above65
Ordinary
Account
CPF_S2_Ord_Acc_Con_below36
CPF_S2_Ord_Acc_Con_36_to_45
CPF_S2_Ord_Acc_Con_46_to_55
CPF_S2_Ord_Acc_Con_56_to_60
CPF_S2_Ord_Acc_Con_61_to_65
CPF_S2_Ord_Acc_Con_above65
for program debugging purpose..

Special Medisave
Account Account
CPF_S1_Sp_Acc_Con_below36 CPF_S1_Med_Acc_Con_below36
CPF_S1_Sp_Acc_Con_36_to_45 CPF_S1_Med_Acc_Con_36_to_45
CPF_S1_Sp_Acc_Con_46_to_55 CPF_S1_Med_Acc_Con_46_to_55
CPF_S1_Sp_Acc_Con_56_to_60 CPF_S1_Med_Acc_Con_56_to_60
CPF_S1_Sp_Acc_Con_61_to_65 CPF_S1_Med_Acc_Con_61_to_65
CPF_S1_Sp_Acc_Con_above65 CPF_S1_Med_Acc_Con_above65

Special Medisave
Account Account
CPF_S2_Sp_Acc_Con_below36 CPF_S2_Med_Acc_Con_below36
CPF_S2_Sp_Acc_Con_36_to_45 CPF_S2_Med_Acc_Con_36_to_45
CPF_S2_Sp_Acc_Con_46_to_55 CPF_S2_Med_Acc_Con_46_to_55
CPF_S2_Sp_Acc_Con_56_to_60 CPF_S2_Med_Acc_Con_56_to_60
CPF_S2_Sp_Acc_Con_61_to_65 CPF_S2_Med_Acc_Con_61_to_65
CPF_S2_Sp_Acc_Con_above65 CPF_S2_Med_Acc_Con_above65